1. Startup India Scheme

• Launched to promote entrepreneurship and innovation.

• Offers tax benefits, funding support, and easy compliance for startups.

• Recognized by DPIIT (Department for Promotion of Industry and Internal Trade).

  
  

  
  

MSME Loan (Micro, Small & Medium Enterprises)

• • Supports small businesses with working capital and expansion finance.

  • Collateral-free loans under CGTMSE.

  • Interest subsidy and digital application options.

    
    

    
    

Pradhan Mantri MUDRA Yojana (PMMY)

• • • For small and micro businesses.

    • Three categories:

      • Shishu: Up to ₹50,000

      • Kishor: ₹50,000–₹5 lakh

      • Tarun: ₹5 lakh–₹10 lakh

        
        

        
        

Stand-Up India Scheme

• • • • • Supports women and SC/ST entrepreneurs.

        • Loan amount: ₹10 lakh to ₹1 crore.

        • For manufacturing, trading, and service businesses.

          
          

          
          

PMEGP (Prime Minister’s Employment Generation Programme)

• • • • • • For new entrepreneurs in manufacturing or service sectors.

          • Up to ₹25 lakh (manufacturing) / ₹10 lakh (services).

          • Subsidy up to 35% of project cost.

            
            

            
            

Pradhan Mantri Awas Yojana (PMAY)

• • • • • • • Aims for “Housing for All” by offering home loans at subsidized interest rates.

            • Up to 6.5% subsidy for eligible income groups.

              
              

              
              

Credit Linked Subsidy Scheme (CLSS)

• • • • • • • • Part of PMAY for EWS, LIG, and MIG categories.

              • Interest subsidy on home loan EMIs.

                
                

                
                

Vidya Lakshmi Scheme

• • • • • • • • • One-stop portal for students seeking education loans.

                • Loan up to ₹7.5 lakh (domestic) and ₹20–30 lakh (abroad).

                  
                  

                  
                  

Central Sector Interest Subsidy Scheme

• • • • • • • • • • For economically weaker students.

                  • 100% interest subsidy during the moratorium period.

                    
                    

                    
                    

Kisan Credit Card (KCC)

• • • • • • • • • • • Provides short-term credit to farmers.

                    • Loan up to ₹3 lakh with low interest (4%).

                      
                      

                      
                      

                      
                      

PM Fasal Bima Yojana (PMFBY)

• • • • • • • • • • • • Crop insurance and risk coverage for farmers.

                      • Premium subsidy shared between farmer and government.

                        
                        

                        
                        

NABARD Schemes

• • • • • • • • • • • • • Offers refinance and direct loans for agriculture, dairy, poultry, and rural infrastructure.

                          
                          

                          
                          

Mahila Udyam Nidhi Scheme

• • • • • • • • • • • • • • Offered by SIDBI for women entrepreneurs.

                          • Loan up to ₹10 lakh with flexible repayment.

                            
                            

                            
                            

Annapurna Scheme

• • • • • • • • • • • • • • • For women in the food and catering sector.

                            • Loan up to ₹50,000 for small food businesses.

                              
                              

                              
                              

Home Loan

• • • • • • • • • • • • • • • To buy, build, or renovate a house. Offered by banks & NBFCs at 8–9% interest.

                              
                              

                              
                              

Personal Loan

• • • • • • • • • • • • • • • Unsecured loan for any personal need — medical, travel, education, etc.

                              
                              

Business Loan

• • • • • • • • • • • • • • • For startups, SMEs, or expansion projects — both secured & unsecured.

Loan Against Property (LAP)

• • • • • • • • • • • • • • • Uses your property as collateral for a large loan.